How To Ensure Financial Planning For Overtime Workers?

　    最近的一份網上調查結果顯示，接受調查的3000多人中有超過40%的職場人士經常加班，早出晚歸似乎已經成為如今職場白領的家常便飯。

Around us, unconsciously, there is such a group. They work 5 days a week or even more, and sometimes work for 10 hours or more. When people go to nine and five people to enter sweet dreams, they can turn off a computer for a day and walk on their way home.

OK, it's hard to reduce the burden of returning home at night.

Although overtime is a reasonable guarantee for overtime benefits and related benefits, a series of potential costs caused by overtime work are also becoming increasingly prominent, resulting in a lot of pressure on white collar workers.

The most direct one is the excess traffic cost.

Take Shanghai as an example, many buses stop after 9:30 pm. After 10:30, the rail pit is basically closed. After 11 o'clock, the taxi starts to collect the night fee, and the starting price of 14 yuan...

Living situation: Xiao Zhu, who lives in Changning District, works in a foreign company near Pudong's eight hundred friends. Almost every week he can't escape the bad luck of working overtime for one or two days.

Although the company is not ambiguous in overtime pay, it is almost annoying for her to work overtime at almost 11 o'clock each time.

Because at that time, the subway has been closed, the night snack line basically needs 20-30 minutes to come to class, halfway to change, home is almost 1, 2, so she basically chose to call a taxi home at the door of the company, the cost of each trip is fixed at about 50 yuan, and the subsidy is 300 yuan per month.

So every overtime call made her heartache.

In fact, such cases as Xiao Zhu are not rare. The situation of reporter Xiao Cui is much better than that of Xiao Zhu.

After every overtime, the cost of driving home is about 100 yuan, 10 times a month, and 8 overtime. One month's salary is nearly three or four points, which is equal to the taxi driver.

Comments: carpooling and moving to nearby companies become the main choice for most white-collar workers, but there are also great limitations.

First of all, considering carpool, most people's working hours are not stable, which brings great difficulties to finding the right carpool partners.

Most of the carpool families who work overtime find a random combination of people at the carpool location. Taking into account the safety problem, women white-collar workers have to wait for their female partners to go along with them, which is much more difficult.

Moving around the company is a feasible solution, but it must be considered comprehensively.

At the very least, the cost of rental and overtime work must be greater than or equal to the cost of rents after the new premises, and the daily habits and the convenience of the surrounding areas must also be considered.

For married people, this method is more difficult to implement.

In the final analysis, the way is to improve the public pport in the city on the one hand; on the other hand, the company should make reasonable arrangements for work and strictly limit overtime work.

If the bus line is more, if the subway operation time is longer, if the departure interval is shorter, if the overtime time is less...

The night folk probably will not be so tired as they are now.

　　用：夜歸族的理財經

There is a good saying: before the age of 30, earn money and earn money after the age of 30.

For white collar workers who are often tired of working overtime and sleeping at night, they are more willing to spend money on moonlighting or even overdraft.

In Hangzhou, a small accounting firm's job is to hold people who have drunk ideas at present. In her view, they usually work too hard and have no time to study stocks and futures for investment.

Survival status: in a recent Chinese white-collar overtime list, Hangzhou ranked the top while Shanghai ranked ninth.

There is no doubt about the leaflet.

She told reporters that when he was busy in the office, he had to work 14 hours a day and returned home without sleeping for several hours, and began second days of work.

When it comes to financial planning, he has no choice but to say that when he used to do accounting in his former company, he still had time to fry stocks, but since he had switched to the office, he did not have much energy to manage his income. There was no other way to manage his money except for a monthly deposit.

Comment: in fact, after interviewed the financial experts, the reporter concluded that it is not the night time people who have no time to take care of their money. They should let themselves go. On the contrary, considering the particularity of this group: the age is generally lighter, the financial burden is already in existence, the possibility of health risks is hidden, and there is not much time to understand the change of the financial market.

Taking leaflet as an example, the experts gave a financial plan for insurance fund investment.

Insurance: Although Xiao Ye has basic social security, she is very concerned about major illness insurance. Her work requires a large number of computers. Statistics show that people who are accustomed to using a side phone for a long time have a great increase in the risk of brain tumors.

Besides, the pension problem is also a problem she needs to consider.

To this end, experts believe that the insurance scheme she wants to purchase must include the following:

1: Life 29 categories of major diseases guarantee 100 thousand yuan.

Hospitalization for major diseases is 300 yuan per day, the highest 180 days per year, and 150 yuan a day after 180 days.

2: the female special malignant tumor guarantees 200 thousand yuan.

7 kinds of female in situ cancer guarantee 10 thousand yuan.

3: during pregnancy, pregnancy disease protection is 30 thousand yuan.

11 kinds of neonatal congenital diseases guarantee 30 thousand yuan.

Personal protection is 200 thousand yuan during childbirth.

Secondly, if the insurance plan can include the following safeguards, it will be better, such as hospitalization allowance due to accidental injury, hospitalization allowance for general diseases, various surgical subsidies, and organ pplant insurance.

In addition, the experts also reminded that we need to pay attention to the guaranteed renewal clause.

When buying short-term medical insurance, we should try to buy products that can guarantee renewal.

Because the insurance company has the right to underwrite every year, that is, the insurance company may refuse your continued insurance when you need it most, and there is no such risk when you enter the guarantee renewal insurance.

Take an insurance company's product as an example, to achieve the above protection effect, the leaflet will only cost 20 years and 4800 yuan a year.

In addition, if there is economic capacity in the future, the insured amount of serious illness can be raised to 300 thousand yuan.

Fund: Although the degree of standardization of the stock market and the stock market have changed in this year, the night buyers who do not have much time and energy to buy stocks like lobules have become the best choice.

In specific purchases, regular quotas can be adopted, that is, fixed investment in fixed funds at regular intervals.

The advantage of this method is that there is no need to care about the fluctuation of market price. When the market price rises, fewer units are bought, and when the market price falls, more units are bought.

In the long run, costs and risks are naturally low and sold once again when needed, so it is also known as fool investment.

At present, in the country, fund companies can be agreed with banks to buy money products automatically from time to time by deducting money from buyers' accounts.

For night time people who are busy working day and night, it is a convenient and labor-saving way of investment.

In addition to maintaining the necessary reserve funds, it is recommended that customers pass the monthly balance.

Indirect investment in the stock market, through the compound interest donkey roll effect, get long-term returns.

Experts recommend: taking into account the lobular monthly loan of about 3000 yuan to be returned, combined with its usual consumption of credit cards, so we can boldly take the remaining 2500 yuan a month to withdraw 1500 yuan, to buy open-end funds.

    　住：找個安樂窩

First of all, the question before us is whether the house is rented or bought. For young white collar workers who have just set foot on their posts for a few years, renting a house is definitely the choice of most people.

In fact, according to a recent psychological survey, it is also unwise to carry out huge mortgage debt in the face of high housing prices. It is said that 98% of the mortgages are depressed.

Night time working people are more sensitive to work stress, so we should avoid more external pressure from the objective environment.

Living condition: Xiao Wang has been renting in a neighborhood of Dongchang Road subway in Pudong every day. He goes to Puxi every day by subway.

Originally chose this 2 bedroom house, not only because of its convenient pportation, but also its room balcony is facing the greening in the plot, quite the treatment of the landscape room, of course, the cost is not expensive, after the monthly rent is negotiated, it still needs 1800 yuan.

After working overtime now, Xiao Wang has found many problems bothering him.

For example, the subway stops after a long time and goes home late at night, often waking up the neighborhood guards and waking up others to be complained by neighbors. In the evening, they want to eat some midnight snack, but they find that all the small shops are closed. In the morning, because a kindergarten in the community starts to go to school early, it is difficult to sleep quietly.

After several months of continuous cooking, he almost could not bear the panda's eyes almost every day, and was beginning to choose another house.

Comment: it is not difficult to see that the life of the night life group is quite different from that of the ordinary people. This has also created the particularity of this group's living habits. For this reason, it is natural to consider these particularities as well.

In other words, if they choose to rent a house, do they choose to rent a place with convenient pportation and low price? The answer is No.

The almost black and white upturned nightclub should be more picky about their living environment: pay attention to the environment around the house as far away from the noisy places as restaurants, seafood city, practicing song room and the area to be constructed, so as not to affect the rest. Do you have 24 hours of convenience stores and restaurants at night? If it is a high-rise residential building, try to choose a low or high level so as not to return home late at night.

Besides, we should consider the factors such as traffic, public order, environment and price.

　　而小王居住的所謂景觀房則更是沒必要。一般而言，景觀房的價格不菲，但對于早睡晚歸的加班族，就需要考慮購買景觀房的性價比。因為像這樣的夜貓子一族，除了上班就是睡覺，一般沒有閑情看景，所以花大價錢租景觀房，利用率便要大打折扣了。